Private by architecture
Your data lives in a single file on your disk. The app talks to no server of ours because there isn’t one — and it works completely offline.
Free & open source · Linux
Personal finance that doesn’t phone home.
Accounts, investments, budgets and net worth — all local, all yours. Version 1.0.0 is out now.
GPL-3.0 · no account · no subscription · works offline
Built for complicated money
Multi-currency with historical FX. Investments with FIFO cost basis, dividends, splits, bonds and options. Property, vehicles and loans with real amortisation.
Actually free
GPL-3.0. No trial clock, no feature gate, no upsell. The source is on GitHub and the binaries are built from it in public CI.
No account. No cloud. No catch.
Privacy isn’t a setting here — it’s the architecture.
There is no server belonging to us, so the app cannot send your finances anywhere: there is nowhere for them to go. It makes network requests only for two optional features you switch on yourself, with your own API keys — exchange rates and investment prices. Neither sends any information about your accounts or transactions.
- Fully functional with no network connection at all.
- One
.mflfile, plain SQLite — auto-saved, with rotating snapshots. - Installing, upgrading or removing the app never touches your data.
The whole picture
Serious tools, quietly powerful
For people whose money is more complicated than one current account — multiple accounts, multiple currencies, property, loans, and a portfolio with real holdings and real cost bases.
The register
A register that gets out of the way
Inline editing, typeahead payees, splits, and transfers that stay matched on both sides. Filter by date, amount, status or category. Or open every account in one register and search 30,000 transactions for an instant answer.
Budgets
Budgets you’ll keep using
An envelope/zero-sum hybrid: assign what you have, roll over what you don’t spend. The annual matrix shows the whole year; the monthly view burns down against plan so you know on the 12th whether you’ll make it. Savings and pay-down goals sit alongside.
Investments
Investments with real numbers
FIFO cost basis, realised and unrealised gains, dividends, splits and merges, bonds and options. Prices from Tiingo with your own key, or entered by hand. Returns as money-weighted IRR — not a percentage that flatters you.
Reports
Reports that answer questions
Net worth, the cash-flow Sankey, income vs expense, spending over time, by payee, by category × payee, investment returns and income. Drill into any figure to reach the transactions behind it, and save a report you’ll want again.
Loans
Loans that tell the truth
Amortisation from where the loan actually is now — every future payment split into interest and principal, with the balance curve running to the final payment.
Import what your bank gives you
OFX, QFX, QIF and CSV, with a column-mapping wizard for any layout. The app remembers how you categorised each payee and applies it next time; a rules engine handles the rest.
Multi-currency throughout
Hold accounts in different currencies, with historical rates so last year’s numbers stay correct. Convert any report to whichever currency you think in.
Your file, your disk
One .mfl file, plain SQLite, auto-saving as you work, with rotating snapshots. Kept in ~/Documents/My Financial Life/, untouched by installs and upgrades.
Automatic bank downloads are in progress. Until they land, import is manual — the files your bank already gives you.
Free software
Under the GNU GPL v3
You can use it, study it, share it and change it. It comes with absolutely no warranty. The complete source is on GitHub, and the downloads are built from it by public CI.
Sister product · In development
My Retirement Life
My Financial Life is your money today. My Retirement Life projects it forward through retirement, drawdown and tax. The two are designed to exchange data, so a salary change or property sale recorded here can feed the projection — as a file you choose to move, never a server sync.
Free, open source, and yours to keep.
1.0.0 runs on 64-bit Linux — a Debian/Ubuntu package, a portable AppImage, or a tarball for any distribution.